Independent. NZ Owned.
On Your Side.
We're a small, dedicated New Zealand team focused on one thing: helping local businesses access the cash flow they need to grow, without the red tape.
A different kind of lender
Since 1990 Cash Flow Funding has been an independent, NZ-owned cash flow finance and office administration services company. We're not a bank, we're not overseas-owned, and we're not driven by shareholder returns at the expense of our clients.
We work with NZ businesses typically doing $10K–$750K+ per month in revenue, helping them access working capital that unlocks growth — whether that's through invoice finance, debtor management, supplier payments, or bad debt protection.
Our team is small by design. When you work with us, you get a dedicated point of contact who knows your business — not a call centre or a rotating roster of account managers.
We serve businesses that are:
- Selling goods or services on credit terms
- Waiting 30, 60 or 90 days to get paid
- Growing and need funding that keeps pace
- Wanting to reduce admin and debtor management burden
- Seeking alternative funding alongside (or instead of) bank facilities
- Based in New Zealand and want to work with a local partner
How we work — and why it matters
Responsive
We respond quickly. When you have a question or need a decision, you'll hear back fast — not in 3–5 business days.
Transparent
No hidden fees, no fine print surprises. We explain our costs clearly and encourage you to compare them properly with alternatives.
Client-First
Your success is our success. We choose the right facility for you — not the most profitable one for us.
Professional
Every interaction we have with your customers reflects on you. We treat them with the same care and respect you do.
Growth-Focused
Our facilities are designed to grow with your business. No caps, no re-applications — just funding that scales with you.
Local
We're a NZ business serving NZ businesses. We understand the local market, the local pressures, and the local opportunity.
The CFF difference
Small Dedicated Team
A small team means you always deal with someone who knows you and your account. Personal service, every time.
Fast Decisions
We make quick decisions. No committees, no head office sign-off. You'll have an answer fast — often the same day.
No Lock-In
No minimum term, no minimum notification period, no exit penalties. You stay because we're good — not because you're trapped.
Full Transparency
Our client portal gives you real-time visibility over your account — every transaction, every communication, every balance.
Tech-Connected
We integrate with your accounting software — Xero, MYOB and others — to minimise double handling and keep everything in sync.
More Than Finance
We offer office administration and systems support alongside our funding — reducing your overhead and complexity simultaneously.
Real people you’ll actually deal with
Small team by design. When you call, you talk to one of these people — not a call centre.
Marty Haydon
CEO
“I’m responsible for making sure you’re happy with what we deliver — and for keeping a strong working relationship with you and your customers. I’ve spent most of my working life in business funding, and the bit I enjoy most is helping clients grow and find efficiencies along the way. I also oversee our software and infrastructure so the systems behind the scenes work the way they should.”
Mike Haydon
CFO
“I look after the financial and management accounting side of CFF. I came out of a demanding CA environment, but the part I take real pride in now is building the right financial solution for each business — and we deal with a wide range of industries, so no two are quite the same.”
Maria Fenwick
Office Manager
“I run the engine room — making sure all the client and customer information at CFF is accurate and up to date. If you’ve got an account enquiry, ask for me. I’ll make sure it’s answered quickly and sorted out properly.”
Mike Sarza
IT Architect & Manager
“I look after CFF’s technology — the client portal you log into, the integrations with your accounting software, and the security and infrastructure that sits behind it all. My focus is keeping the technology out of your way: stable, fast, and obviously useful when you need it.”
Want to talk to one of us directly? Get in touch — we’ll route you to the right person.
Ready to work with a lender that's actually on your side?
Get in touch — no obligation, no hard sell. Just a straightforward conversation about your situation and how we might help.